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The Consumer Insurance Contracts Act 2019 will significantly change the way insurers contract with Irish consumers.

The Act provides increased protection to consumers and applies a consumer centric lens to insurance contracts, noting that the interpretation of pre-contractual questions and contract terms most favourable to the consumer will prevail. This requires the insurer to take on additional responsibility in respect of its consumer interactions at all key phases of the customer journey.

The majority of the 2019 Act’s provisions came into effect on 1 September 2020. However, some of the more controversial aspects of the 2019 Act contained in sections 8, 9, 12 and 14 will not be commenced until 1 September 2021 to allow insurers time to comply with those requirements.

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